ONLINE LIFE INSURANCE QUOTES
MULTIPLE ONLINE QUOTES
Today, purchasing term life insurance has never been easier! With a few simple clicks directly on our website, you can receive dozens of quotes and options from most of the leading life insurance companies in Tennessee. Why waste hours calling agent after agent, going through the same questions over and over? As independent agents, our agents have access to many companies, which means that you only have to go through the process once to get tons of quotes to choose from.
Unlike most online term life quotes, we actually show you the rates you are looking for! We never turn around and sell your information to other agents in the form of leads. We are the agent and want to be as transparent as possible. Our hope is that by providing you with as much information as we can about how to buy life insurance, you will see the value and knowledge our licensed agents offer. Call one of our agents today at (615) 383-8874 to learn more or start a quote!
Our agency has partnerships with several large life insurance providers to offer our customers several unique services!
Online quotes. See just how little term life insurance can cost
Accelerated underwriting. For certain cases we can reduce the underwriting process from a month or more to just a few days
No medical exam. For certain clients that meet pre-screened health requirements, we can waive the medical exam
In home medical exam. We come to you to conduct the medical exam and take the complete application all in one sitting
Our goal is to make the process as easy and understandable as possible for you! Term life insurance has never been more affordable. Make sure you protect your family and their future today!
HOW DO I REDUCE MY LIFE INSURANCE RATES?
Unlike other types of insurances that provide discounts based upon a variety of conditions, life insurance does not have discounts. However, despite not having direct discounts, there are several things that you can do to reduce your life insurance rates over the course of your life.
Start young. Life insurance premiums increase with your age. Therefore, buying a policy when you are young will lock in the lowest rates, allow you to purchase more life insurance, and increase your eligibility.
Stay active and healthy. Your personal health is the primary driver of your life insurance premiums. Being active and healthy will keep those rates low.
Purchase the level term option. If you lock in the premiums for the entire policy term, the initial cost is slightly higher, but will prevent the price from increasing with your age.
CHECK OUT THIS RECENT TERM LIFE QUOTE!
CHECK OUT THIS $250,000 20 YEAR LEVEL TERM POLICY FOR A 44 YEAR OLD, FEMALE, NON-SMOKER!
LIFE INSURANCE RATES IN TENNESSEE
Purchasing life insurance in Tennessee has never been easier! Hundreds of companies are literally lining up to try and serve you. As a consumer, this is great news! Every life insurance company has their own underwriters who look for different characteristics in their ideal customer, which increases your odds of finding a policy that meets your needs and is within your budget.
WHO ARE THE LARGEST LIFE INSURANCE COMPANIES IN TENNESSEE?
The State of Tennessee recently reported in its 2012 Tennessee Life Accident & Health Collectively Renewable and Other Individual Policies Market Share report that the five largest life insurance companies by written premium were MetLife, Sun Life Financial, Mutual of Omaha, The Hartford, and Genworth Financial.
WHAT AFFECTS MY LIFE INSURANCE RATE?
Many factors go into determining your overall life insurance rate. But primarily, factors such as your age, gender, height, weight, health, and lifestyle will determine your initial rating classification. Once that has been determined, you can get a preliminary cost of life insurance. Next, an underwriter will review your medical history and make changes to your price or eligibility accordingly. Many times, along with the medical history review, companies require a physical exam and these results could also impact the premium.
WHAT CAN I DO IF I HAVE HEALTH ISSUES?
If you find that you are not eligible due to health conditions, there may still be options available to you. Many companies offer policies for limited amounts of coverage. Often times these are called final expense policies and are designed to protect your family from the costs associated with your final expenses.